Uttar Pradesh Mukhyamantri Kisan Evam Sarvahit Bima Yojana

What is Uttar Pradesh Mukhyamantri Kisan Evam Sarvahit Bima Yojana?

Uttar Pradesh Mukhyamantri Kisan Evam Sarvahit Bima Yojana is a state-funded accident cover for farmers and poor households in Uttar Pradesh. The scheme was introduced to give a farming family a cash cushion when the earning member is killed or permanently disabled in an accident, and it was deliberately drawn wider than farmers alone. The word sarvahit, "for the good of all", was put into the name because landless farmers, street vendors and other low-income residents were also brought inside the cover.

The important thing a reader in 2026 needs to know is that the scheme has been restructured. Uttar Pradesh now delivers the same accident benefit through the Mukhyamantri Krishak Durghatna Kalyan Yojana (MKDKY), administered by the Revenue Department with the Agriculture Department, rather than through an insurance company panel. District administrations publish the MKDKY government order and claim form on their NIC websites, and the Tehsildar is the receiving officer. Anyone searching for "Kisan Sarvahit Bima" today should file under MKDKY.

Under the restructured scheme, compensation of up to Rs 5 lakh is paid on accidental death or permanent total disability, and up to Rs 2.5 lakh on partial disability. No premium is charged to the beneficiary at any stage, and the money is released by Direct Benefit Transfer to the nominee or legal heir.

Who is eligible for the Kisan Sarvahit accident cover?

You are covered if:

• You are a permanent resident of Uttar Pradesh.
• You are aged between 18 and 70 years on the date of the accident.
• You are a farmer, a member of a farmer's family, or a person from a low-income household. Under the original Kisan Evam Sarvahit Bima Yojana the cover was extended to landless farmers, street vendors and poor families, and Below Poverty Line families were exempted from producing an income certificate.
• The event was an accident, road accident, drowning, snake bite, electric shock, fall, animal attack, lightning, fire, or a similar sudden external cause.

You are not eligible / a claim will not be paid if:

• The person was under 18 or over 70 at the time of the accident.
• The death was from illness or natural causes. This scheme is an accident cover only, and a claim without an FIR, panchnama and post-mortem is almost always rejected on this ground.
• The person was not a resident of Uttar Pradesh, since the money comes from the state budget.
• The claim is filed long after the 45-day window without the District Magistrate condoning the delay.
• Compensation for the same death has already been paid under another state accident scheme, since duplicate compensation is not allowed.

Under the original scheme design, an annual family income ceiling of Rs 75,000 was applied to the non-farmer beneficiaries, and BPL card holders were not asked for an income certificate at all. Because the scheme has since been restructured, confirm the income condition currently in force with your Tehsildar rather than relying on an old circular.

How much does the scheme pay?

The original Kisan Evam Sarvahit Bima Yojana additionally offered cashless treatment of up to Rs 2.5 lakh at government hospitals, community health centres and empanelled private hospitals for poor farmers. Cashless hospital treatment in Uttar Pradesh is now largely delivered through Ayushman Bharat PM-JAY and the state's own health cover, so a family needing treatment rather than compensation should check its Ayushman card first.

What documents are required for the claim?

How to apply for compensation under the scheme

1. Report the accident immediately. Get an FIR registered at the police station or a panchnama drawn up, and ensure a post-mortem is conducted in a death case. Without these three papers a claim is very hard to settle later.
2. Collect the claim form. Download the Mukhyamantri Krishak Durghatna Kalyan Yojana form from your district NIC website; Kasganj and several other districts publish it together with the government order — or take a copy from the Tehsil office.
3. Fill in the form with the deceased or injured person's name, age, address, date and place of the accident, the khatauni details of the family's land, and the claimant's bank account number with IFSC code.
4. Attach the documents listed above, self-attested, and keep the originals ready for verification.
5. Submit the claim to the Tehsildar within 45 days of the accident. The Lekhpal of your village will visit to verify the facts on the ground, and the Tehsildar forwards the verified case to the District Magistrate.
6. Sanction and payment. After the District Magistrate's sanction, the compensation is credited by Direct Benefit Transfer to the claimant's bank account. Retain the receipt number given at the Tehsil.

There is no advance enrolment step under the successor scheme. A family does not buy a policy or pay a premium in advance; the cover attaches to eligible residents and is claimed only after an accident.

How to check the status of your claim

1. Take your receipt number to the Tehsil office and ask the Revenue clerk handling Krishak Durghatna cases where the file stands.
2. The file passes through three visible stages: Lekhpal verification, Tehsildar recommendation, and District Magistrate sanction. Ask which of the three is pending.
3. If the file is sanctioned, check the bank passbook for the DBT credit; a failed credit almost always means an incorrect IFSC or an inactive account.
4. If there is no movement for more than two months, raise a complaint on jansunwai.up.nic.in or call the Chief Minister helpline 1076 and quote the receipt number.

Common reasons claims are rejected

• No post-mortem report, so the accidental nature of the death cannot be established on record.
• Claim filed after 45 days without a recorded reason for the delay.
• Age outside 18 to 70 on the date of the accident.
• Disability certificate from a private doctor instead of a government medical board.
• Legal heir dispute where more than one family member claims the money; the Tehsildar must first issue a succession or heirship certificate.
• Bank account details wrong, which stalls the DBT credit even after sanction.

Grievance redressal and help

• Tehsildar and District Magistrate's office, the first and correct escalation route for any Krishak Durghatna Kalyan Yojana claim.
• Chief Minister Helpline 1076 for complaints about delay by a district office.
• jansunwai.up.nic.in for a written, trackable grievance with a reference number.
• District Agriculture Officer and upagriculture.com for questions about farmer registration and related agriculture department schemes.

Uttar Pradesh charges no fee and no premium for this cover. No agent can demand payment to "get the file passed", and any such demand should be reported on the Chief Minister helpline.

A note on the scheme's name

Readers will find this benefit written in several ways, Mukhyamantri Kisan Evam Sarvahit Bima Yojana, Kisan Sarvhit Bima Yojana, and, in its earlier form under a previous state government, Samajwadi Kisan Evam Sarvahit Bima Yojana. All of these refer to the same line of state accident cover for farmers and poor families in Uttar Pradesh, which today operates as the Mukhyamantri Krishak Durghatna Kalyan Yojana. Use that name when you go to the Tehsil office and the staff will find the correct form immediately.